1. This action concerns a number of issues that relate to the question of whether or not the balance said to be due on a credit card issued to the Claimant by the Defendant under an agreement made on or about 2 October 2003 (“the agreement”) is recoverable from her.…

On 26th July the latest hearing in Rutherford v HSBC was held in the High Court. Justice Cooke heard the claimant’s application for the case to transferred to the Commercial Court from Brighton County Court.  The claim is for a refund of bank charges imposed between 2001 and 2008 for…

http://www.bailii.org/ew/cases/EWHC/Comm/2010/1900.html Where an applicant was seeking pre-action disclosure under CPR 31.16 in order to ascertain whether to bring a claim or not, the applicant was not required to establish that he had a case with a “real prospect of success”. However the applicant did have to show a prima facie…

    [2010] CSIH 49 RICHARD DURKIN Pursuer and Appellant; against DSG RETAIL LIMITED First Defenders and Respondents: and HFC BANK PLC Second Defenders and Respondents;   _______ 15 June 2010.   The Inner House ruled that s.75(1) of the Consumer Credit Act 1974 allowed him to cancel his contract with…

Legal Beagles are very surprised and extremely disappointed at the OFT’s press release on bank overdraft charges which offers consumers no tangible protection against the imposition of unfair and extortionate charges. The Office of Fair Trading’s report, following nearly three years of investigation into the Personal Current Account Market in…

Personal current accounts in the UK follow up response to OFT1123(PDF) 28th February 2010   Personal current accounts in the UK Legal Beagles follow up response to OFT1123 February 2010

http://www.bailii.org/ew/cases/EWHC/QB/2009/3417.html The following is a brief summary of the principal findings and conclusions set out above: (1) A creditor can satisfy its duty under s78 by providing a reconstituted version of the executed agreement which may be from sources other than the actual signed agreement itself; (2) The s78 copy…

RBS Documents 2b RBS Documents 2a RBS Documents 2c RBS Documents 2d RBS Documents 1c RBS Documents 1b RBS Documents 1a

We strongly urge the Office of Fair Trading to continue their investigation into the fairness of personal current accounts. We also urge the Governmen to take action and ensure the OFT have the necessary resources to take the investigation forwards.     Following meetings between consumer groups, including Legal Beagles, Penalty…